LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,922
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,599
−HK$1,704/mo
Today · 4.125%
HK$57,303
baseline
▲ 0.50% · 4.625%
HK$60,790
+HK$3,487/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,606/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,987
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,596
−HK$1,632/mo
Today · 4.125%
HK$63,228
baseline
▲ 0.50% · 4.625%
HK$66,561
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,456/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,706
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,719
−HK$2,045/mo
Today · 4.125%
HK$68,764
baseline
▲ 0.50% · 4.625%
HK$72,948
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,528/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,985
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,915
−HK$1,959/mo
Today · 4.125%
HK$75,874
baseline
▲ 0.50% · 4.625%
HK$79,873
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,748/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,490
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,838
−HK$2,386/mo
Today · 4.125%
HK$80,224
baseline
▲ 0.50% · 4.625%
HK$85,106
+HK$4,882/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,448/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,982
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,235
−HK$2,285/mo
Today · 4.125%
HK$88,520
baseline
▲ 0.50% · 4.625%
HK$93,186
+HK$4,666/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,040/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,059
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,078
−HK$3,067/mo
Today · 4.125%
HK$103,145
baseline
▲ 0.50% · 4.625%
HK$109,422
+HK$6,277/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,290/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,977
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,873
−HK$2,938/mo
Today · 4.125%
HK$113,811
baseline
▲ 0.50% · 4.625%
HK$119,810
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,622/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,006 · Scale 2, in force from 26 Feb 2026)